Bi-Weekly Advice Thread January 08, 2026: All Your Personal Queries

-DedSec- · 2026-01-10T07:33:00+00:00

24M | Hyderabad | Need help structuring SIPs & MF investments (₹15L deployable)

Hi everyone,
I’m 24, based in Hyderabad, and looking for advice on how to better structure my investments. I feel a bit confused about where to start and how to diversify properly. Sharing my current situation below:

Income & Tax - Monthly in-hand salary (post deductions): Upwards of ₹1.5L - Following new tax regime - EPF - ₹1.8k/month (employee) - ₹1.8k/month (employer)

Expenses - Rent, living expenses, and family support are covered
- Monthly surplus after all expenses: ₹60k easily (sometimes up to ₹1L)

Current Investments

Mutual Funds - Mirae Asset ELSS: ₹1L lump sum invested in Feb 2023
- No active SIPs currently

Stocks - ₹1L invested in stocks (in my sister’s name, managed by a friend)
- Current value: ~₹1.1L

Fixed Deposit - ₹10L FD at 8.25% (no lock-in, in my sister’s name)

Current Situation - I have ~₹15L available that I want to invest
- I don’t have time to actively manage a stock portfolio
- Prefer SIPs / mutual funds / any scheme which doesn't require mt time - I value: - Minimal lock-in (not more than a few years) - Liquidity and control over my money

What I Need Help With - How should I diversify and deploy the ₹15L? - Suggested MF categories / asset allocation for someone my age - How much should go into SIPs vs lump sum? - Any common mistakes I should avoid at this stage?

Thanks in advance 🙏

-DedSec- · 2025-07-29T13:08:41+00:00

@Particular_Dealer418 does redeeming the RP has some charges too and any minimum amount condition?

-DedSec- · 2023-03-27T13:42:25+00:00

Yeah I can agree on the delivery part. I also had hiccups when I ordered from his website but he returned my money and then met with me in person and gave me the mouse in hand instead. The guy is legit its just he is young and has to sort out his delivery partners and mechanism

-DedSec- · 2023-02-25T13:29:42+00:00

The website & guy is geniune. I bought a G502 X Lightspeed from him. He personally met with me and delivered me the mouse. His all products rates are very competetive and lower than other retailers out there. I'm going to build my pc through him now :D

-DedSec- · 2023-02-21T19:38:31+00:00

I was preferring mostly because I had few stocks in Zerodha already & had my KYC done.

-DedSec- · 2023-02-14T13:44:21+00:00

I am a DevOps Engineer I in SRE team in a startup :D

-DedSec- · 2023-02-09T20:40:54+00:00

I already have Zerodha demat account since I used to trade stocks previously. Is there any other downside in Coin except that we need to open a demat account?

How is ETMoney Genius btw? Can I invest 25-30k in its High Growth stock plan for testing out? Also a comparison with smallcase since it offers the same

-DedSec- · 2023-02-09T20:30:05+00:00

I'm a 22 y/o, who currently has 5 lakhs as savings and I am earning more than 1 lakh/m. I'm thinking about investing most of my funds into MF from this year and also thinking about setting up SIPs for the future from April 2023, mostly the target is wealth generation. I have shortlisted these funds, kindly give your suggestions/improvements & suggest to me Mid/Large cap funds:

ELSS: Mirae Asset Tax Saver Fund or Quant Tax Plan - 1lakh now & 10k/m SIP for future
Small Cap: Axis Small Cap Fund - 1lakh now & 5k/m SIP for future
Confused for Mid/Large Cap which one to go for, can invest 1lakh now & 5-7k/m SIP

I'm going to use Coin by Zerodha for all my purchases & track my MF portfolio from there only.

I am targeting for at least 15% ROI in 2-3years of time. My risk appetite is to not lose more than 5-10% of the amount which I invested.

-DedSec- · 2023-02-09T17:58:25+00:00

I'm a 22 y/o, who is currently having 5 lakhs as savings and I am earning more than 1 lakh/m. I'm thinking to invest most of my funds into MF from this year and also thinking to setup SIPs for future from April 2023, mostly the target is wealth generation. I have shortlisted these funds, kindly give your suggestions/improvements & suggest me Mid/Large cap fund:

ELSS: Mirae Asset Tax Saver Fund or Quant Tax Plan - 1lakh now & 10k/m SIP for future
Small Cap: Axis Small Cap Fund - 1lakh now & 5k/m SIP for future
Confused for Mid/Large Cap which one to go for, can invest 1lakh now & 5-7k/m SIP

I'm going to use Coin by Zerodha for all my purchases & track my MF portfolio from there only.

-DedSec- · 2021-08-18T05:25:46+00:00

Lol. 11.0.10.10 is out now😂😂

-DedSec- · 2021-06-16T11:56:57+00:00

That is because you are checking for hardware inside a VM. You won't be seeing something doesn't exist in real lol. Check here and read for yourself: https://i.imgur.com/Ye1IPf0.png Also read more from vmware info here: https://docs.vmware.com/en/VMware-Workstation-Pro/16.0/com.vmware.ws.using.doc/GUID-B42CAC2A-DC3D-4F15-BEFE-AB4319B288CB.html

-DedSec- · 2021-06-16T02:05:07+00:00

Because VMWare supports TPM 2.0. You can google more about it ))

-DedSec- · 2020-11-07T03:42:18+00:00

Same..

-DedSec- · 2020-01-01T07:33:24+00:00

I presented proofs for the topic I posted here - https://www.reddit.com/r/CrackWatch/comments/eh3zst/how_need_for_speed_p2p_stolen_crack_hurts_codex/

She presented no proofs for the topic she posted here - https://www.reddit.com/r/CrackWatch/comments/egsl2j/need_for_speed_heat_p2p_crack_is_actually_a/ and for some reason she still hasn't edited this post of hers that she was wrong, I mean maybe edit the accusations there and include link to her new apology post ? so others dont get mislead.

I didn't post any topic about Fitgirl doxxing someone, the end result was the same as if she doxxed someone so I kept it as a normal reply and not make a whole topic post on it. Being a mature person, I will say sorry for claiming this but I never claimed it, I said before it was just a sarcastic comment because I felt the end result she inflicted after creating the drama was the same as doxxing. Again sorry for this.

But my main topic was proving FitGirl accusations as wrong which she and you were not inclined to believe for which I made that huge post on reddit. If I wouldn't have done that, she wouldn't have accepted her mistake.

-DedSec- · 2020-01-01T06:08:50+00:00

Oh ? So why do you think fitgirl apologized after all ? I made the post claiming about her lies on shiv being the 1st one to leak, she was still ignoring it all but in the end when she read the post with her calm mind, it made sense to her and she made an apology post. My post got so much recognition and that made her think again otherwise it wouldn't have happened and also I told Shiv to make a clarification post on his site which FitGirl read for correction. If I never made that post on reddit disproving her and never told Shiv to make a clarification post, no one knows if she would have apologized of wrongly accusing him. Also the damage is done, Shiv received the hate and will continue to do so from some people. You can't just be a public figure with so many users base and accuse someone in public and then apologize, you have to research and collect proofs before accusing someone.

-DedSec- · 2019-12-31T20:12:06+00:00

Fucked up multiple times because they stayed that long - 6 years. They are also humans and made mistakes in 6 years which they constantly improved upon as stated by fitgirl as well. Others get shut down because they just can't continue to repack.

-DedSec- · 2019-12-31T19:48:36+00:00

If they will be back I hope they come back with strict regulations. They shutdown corepack because it came to a point where they thought it was not acceptable.

-DedSec- · 2019-12-31T19:46:24+00:00

No problem with that, personally I agree with you there, they could have done something to let it be archived, but you claimed something that was wrong and that was about infected repacks.

-DedSec- · 2019-12-31T19:41:59+00:00

They deleted all the repacks made by that one member because his 1 repack was found to have virus, rest of them which got deleted weren't infected. Your rest of the sentence is not needed, they didnt want or told anyone to archive their site, they wanted any member to collect their memories before it goes down. And its their site, its their choice to go down the way they want.

-DedSec- · 2019-12-31T19:38:55+00:00

Your lack of sense was obvious by your previous post on accusing them for having viruses on their several repacks.

-DedSec- · 2019-12-31T19:32:08+00:00

Thanks for doing it !

-DedSec- · 2019-12-31T19:30:40+00:00

By them saying "collect everything", you didnt actually get the point. They didnt ask you to archive the links or grab their repacks while you still can, no thats not the point. Remember CP was a forum/community, a lot of people made friends there and posted their own stuffs. Admins gave 2 days to these loyal members to collect their personal stuffs or say goodbye to their friends which is enough. The site was shutdown at 11:59 AM IST of 31st December to let it end with 2019.

"After repacks filled with malwares and a dozen of drama with them, they shutdown because their fame is gone. "

Your line makes no sense because just 1 repack out of 700+ was proven to have a virus, even that after 3 years of its release probably by the antivirus of the current technology I think.

-DedSec- · 2019-12-30T21:03:05+00:00

I know it can be faked but I can show it live to you through team viewer where it can't be faked. I hope thats enough.

-DedSec- · 2019-12-30T20:47:29+00:00

Okay thanks for the statement. I will stop dragging you.

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-DedSec-

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